Shortly after returning from the Civil War, Mr. Geo. D. Warthen entered the mercantile business in partnership with Jeff A. Irwin, Sr. and began business in a building on West Haynes St. (Present location of The Hair Force).
In 1871, a rear corner of the building was partitioned off and they entered the banking business under the name of Warthen & Irwin, Bankers, private bank, not incorporated.
This firm grew and continued to operate until 1915, at which time Mr. Jeff A. Irwin Sr. withdrew from the partnership. Subsequently, Mr. Warthen operated under the name of The Geo. D. Warthen Bank, private bank, not incorporated, until his death in 1927.
Early in 1928, a state banking charter was obtained and the bank continued to operate as The Geo. D. Warthen Bank. In 1932, a national charter was obtained and the bank's name became The Geo. D. Warthen National Bank. The bank continued to operate as a national bank until the mid-fifties, when the national charter was surrendered and a new state charter obtained. The bank has operated as a state chartered bank since that time.
Today the bank is the oldest in Georgia and enjoys a reputation as a leading business both in the county and surrounding area.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154